Overview
Star Criticare Plus Policy is a dual benefit plan, offering coverage for both health insurance and critical illnesses. It provides a lump sum payment for long-term diseases such as cancer, chronic kidney disease, brain tumor, major organ transplant, Cerebrovascular Stroke causing Hemiplegia, Acute Myocardial Infarction, established irreversible coma, and many other critical diseases. A distinctive feature of this policy is that it covers non-allopathic treatments up to a certain limit.
Star Criticare Plus Policy offers sum insured options ranging from ₹1 Lakh to ₹10 Lakh, with an entry age of 18 to 65 years. This plan provides coverage for the policyholder along with any one family member.
Star Criticare Plus Policy Benefits
Star Criticare Plus Policy offers multiple advantages that policyholders can avail after purchase:
Tax Benefits
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
Organ Donor Benefit
The policy covers hospitalization expenses (excluding the cost of the organ and organ donor) incurred during an organ transplant for the insured.
Discounts
Star Criticare Plus Policy offers discount options such as 5% for up to 2 members and 10% for more than 2 members.
AYUSH Benefit
Expenses incurred for Ayurvedic/Homeopathic/Unani Treatment are admissible up to 25% of the sum insured or a maximum of ₹25,000/- per policy period for the treatment of illness or injury.
Additional Benefits
The policy provides additional coverage for ambulances. Emergency ambulance charges for transporting the insured patient to the hospital are covered up to ₹750/- per hospitalization, with an overall limit of ₹1,500/- per policy period.
Exclusions
- Medical expenses related to the treatment of any illness within 30 days from the first day of policy commencement.
- Expenses on the treatment of Benign Prostate Hypertrophy, Hernia, Hydrocele and related disorders, and treatment for gallstones and renal stones are not covered during the first year of the policy.
- Expenses on the treatment of Cataracts, Hysterectomy for Menorrhagia or Fibromyoma, treatment for knee or joint replacement, prolapse of intervertebral discs, and many other diseases, are excluded after two years from the date of policy commencement.
- Expenses related to X-ray or laboratory examinations not related to primary hospitalization.
- Cost of medical aids such as wheelchairs, crutches, contact lenses, and hearing aids.
- Circumcision, vaccination, inoculation, and dental treatment.
- Cosmetic and aesthetic treatments.
- Change of gender treatments, sterility and infertility treatments.
- Expenses related to obesity treatments and weight management treatments or any unproven treatment.
- Sexually transmitted diseases, HIV, venereal diseases.
- Refractive Error, spectacles, correction of eyesight.
- Expenses related to any hazardous or adventure sports.
- Expenses on the treatment related to pregnancy, childbirth, miscarriage, abortion, etc.
- Treatment for Alcoholism, drug or substance abuse or any addictive condition.
- Injuries caused while under the influence of alcohol or drugs.
- Intentional self-injuries.
- Hospital registration charges, record charges, incidental and miscellaneous expenses, and telephone charges.
- Hospitalization due to war, nuclear weapons, riots, and strikes.
- Pre-existing diseases after 48 months
- Listed Illness 3 Months
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